Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$313,056Cash toward the purchase price.
Closing costs + prepaids$17,899Not just lender fees.
Before credits & paid funds$330,955The complete starting cash picture.
Estimated remaining funds due at closing
$330,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,056.32
Your down payment$313,056.32
Closing costs + prepaids$17,899.17
Total buyer cash needed$330,955.49
Remaining funds due$330,955.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,099.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,984.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,568.50
Initial HOA (3 months)$182.49
Prepaid interest, first (25 days)$845.53
Fees + prepaids$17,899.17
Your down payment is the seller’s equity. You take over the $396,939 balance, so the rest of the $709,995 price is paid at closing. A second mortgage can cover part of it. $330,955.49 is due at closing. Uses and sources reconcile at $727,894.17 each. Not a Closing Disclosure.